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1. AU2005305398 - Apparatus and method for secure credit card processing infrastructure

Office Australia
Application Number 2005305398
Application Date 10.11.2005
Publication Number 2005305398
Publication Date 12.07.2007
Publication Kind A1
IPC
G06F 1/00
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
1Details not covered by groups G06F3/-G06F13/82
G06Q 30/00
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
G07F 7/10
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
7Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08by coded identity card or credit card
10together with a coded signal
CPC
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Applicants RunTime AB
Agents Griffith Hack
Priority Data 0402808-0 15.11.2004 SE
60/522,861 15.11.2004 US
Title
(EN) Apparatus and method for secure credit card processing infrastructure
Abstract
(EN)
The present invention relates to an apparatus and a method for secure value transactions between a customer and a merchant in a computerised environment being part of a global interconnecting network, such as the Internet. The method is adapted for utilising existing credit card processing infrastructure and includes the steps of: the customer obtaining a password, such as a PIN, from an intermediate transaction party and validating a server of the intermediate transaction party, the merchant having installed a code module function on its web-based service that generates a transaction identification number, and redirecting or presenting the customer with a link to the intermediate transaction party. The present invention is characterised by the intermediate transaction party presenting the customer with a password-protected account page to validate a purchase either by marking a correct validation or inputting the transaction identification number and amount.